N26 API Access in Poland — Open Banking Sync

Bringing N26 data into your own tools shouldn't require a banking licence or a stack of eIDAS certificates. With open-banking.io you can link an N26 account held in Poland and pull live account, balance and transaction data through a single REST endpoint — the same interface you already use for 2,600+ other banks across the EU and UK.

Whether you're building a budgeting app, reconciling company books, or feeding a dashboard, the flow is identical: the customer approves access at N26, and structured data starts arriving in your integration minutes later.

How to connect N26

  1. Create an open-banking.io account and grab your API key.
  2. Call the connect endpoint, selecting N26 as the institution and Poland as the country.
  3. Redirect the account holder to N26's secure consent screen to authenticate.
  4. Once approved, receive a connection reference you can query on demand.
  5. Poll accounts, balances and transactions — or schedule automatic refreshes.

What data you get

  • Accounts — identifiers and metadata for both personal and business N26 products.
  • Balances — current and available amounts, refreshed on request.
  • Transactions — dated entries with counterparties, amounts and descriptions.

Note that N26 does not expose a BIC through this channel, so match accounts on the identifiers returned rather than assuming a routing code.

N26 in Poland supports both personal and business account types. A single consent stays valid for up to 180 days, after which the account holder simply re-authorises — no re-integration on your side. Coverage sits inside the wider open-banking.io network, so adding more Polish or European banks later means no new contracts.

Privacy by design

We operate a zero-knowledge model: credentials go straight to N26 and never touch our servers. There are no QWAC or QSEAL certificates for you to buy, renew or manage — the certificate-free architecture handles regulatory plumbing behind the scenes while you keep a clean, minimal footprint.

Pricing

One flat subscription of roughly EUR 3 per month covers API access across every supported institution. No per-call metering, no setup fees, no surprise tiers.

Do I need eIDAS certificates for N26?

No. open-banking.io is certificate-free, so you connect without sourcing or maintaining any QWAC/QSEAL credentials.

Up to 180 days per authorisation. After that the account holder re-approves in a few taps.

Can I connect business N26 accounts?

Yes. Both business and personal N26 account types in Poland are supported through the same endpoints.

Ready to start? Explore the docs and connect N26 today at open-banking.io.